论保险人对免责格式条款的提示说明义务--以李文与人民财产保险公司保险合同纠纷案为例

在保险实务中会发生这样一些纠纷,保险事故发生后,投保人要求保险公司支付保险金,而保险公司以保险事故为保险公司的免责范围为由,拒绝支付保险金,投保人则认为有关免责的条款自己并没有进行法律上的承诺,条款不发生法律效力,双方无法达成一致,诉至法院。本文拟解决的就是免除保险人责任的条款如何在合同双方之间发生法律效力问题。首先,明确我国立法上对这个问题的法律规定,即对于免除保险人责任的条款,保险人需要履行提示和明确说明的义务,否则,该条款在合同双方之间不发生法律效力。其次,对条文进行法律上的解释,什么样的条款是免除保险人责任的条款,即提示说明义务的对象,履行提示说明义务的形式。

Disputes may arise in insurance practice, for example, after the insurance accident, the policyholder claims for compensation from the insurance company, but the insurance company refuses to pay on the grounds that the accident is the exemption of the insurance policy. The policyholder holds that the exemption clause is of no legal effect as he didn’t make any legal commitments to it. The parties can’t reach an agreement and appeal to the court. This paper intends to solve the problem as to how the terms of the insurer’s liability are exempted from legal effect between the parties. First of all, to clarify the legal provisions on this issue in our country’s legislation, that is, for the clause exempting the insurer’s liability, the insurer needs to fulfill the obligation of disclosure. Otherwise, the clause will not have legal effect between the parties. Secondly, the articles should be legally interpreted. Make clear which clauses exempt the insurer’s responsibility,that is, to point it out to the object of disclosure and fulfill the procedure of disclosure.